ASRV
AmeriServ Financial, Inc.
There isn't enough reported data to score ASRV yet.
BAC
Bank of America Corporation
BAC's fundamentals are strong: its operating margin rose 5 points to 35% and revenue grew 15%. At 12x earnings, it's trading in line with its usual 13x. Analysts expect earnings growth.
ASRV Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
ASRV's profitability is currently strong, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like ASRV.
BAC Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
BAC's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like BAC.
ASRV PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 8.6x | $4.39 | -7.2% |
| Current | 9.3x | $4.73 | — |
| Fair | 11x | $5.51 | +17% |
| Expensive | 14x | $6.89 | +46% |
Historical ranges are pointers, not guarantees.
ASRV has the edge over BAC in the historical PE scenario, which offers more potential upside but is not a forecast.
BAC PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 9.4x | $39.50 | -22% |
| Forward | 10x | $50.51 | — |
| Current | 12x | $50.51 | — |
| Fair | 13x | $53.81 | +6.5% |
| Expensive | 15x | $62.23 | +23% |
Historical ranges are pointers, not guarantees.
BAC's PE is in its fair range at 12x. If earnings grow as analysts expect, today's price would be 10x next year's earnings, in its cheap range.
ASRV Forward outlook
There aren't enough analyst estimates for ASRV to show an outlook.
BAC Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for BAC, with profitability improving.
ASRV Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q2 2026 | $0.51 | +132% |
| Q1 2026 | $0.33 | +50% |
| Q4 2025 | $0.34 | +62% |
| Q3 2025 | $0.30 | +$0.45 |
| Q2 2025 | $0.22 | +$0.40 |
| Q1 2025 | $0.22 | +$0.39 |
| Q4 2024 | $0.21 | +$0.40 |
| Q3 2024 | -$0.15 | -183% |
ASRV earned $0.51 per share over the past year, up 132% from the year before.
BAC Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $4.92 | +17% |
| Q3 2026 | $4.19 | +14% |
| Q2 2026 | $4.34 | +27% |
| Q1 2026 | $4.02 | +20% |
| Q4 2025 | $3.81 | +19% |
| Q3 2025 | $3.66 | +33% |
| Q2 2025 | $3.41 | +20% |
| Q1 2025 | $3.35 | +16% |
| Q4 2024 | $3.21 | +4.2% |
BAC has the edge over ASRV on earnings, with more consistent year-over-year improvement.
ASRV Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q2 2026 | $22.7M | +4% |
| Q1 2026 | $21.5M | +1.5% |
| Q4 2025 | $15.3M | +9.4% |
| Q3 2025 | $22.9M | +9.4% |
| Q2 2025 | $21.8M | +4.3% |
| Q1 2025 | $21.1M | +54% |
| Q4 2024 | $14M | +23% |
| Q3 2024 | $20.9M | +60% |
ASRV's revenue has grown year over year for nine quarters in a row: $23M last quarter, up 4% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q2 2026 | 15% | +17 points |
| Q1 2026 | 10% | -0.9 points |
| Q4 2025 | 11% | +3.3 points |
| Q3 2025 | 13% | +6.7 points |
| Q2 2025 | -1.6% | +0.7 points |
| Q1 2025 | 11% | -6.1 points |
| Q4 2024 | 7.7% | +68 points |
| Q3 2024 | 6.8% | +0.9 points |
ASRV's operating margin was 15% last quarter, up 17 points from the same quarter a year ago.
BAC Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $30B | +6.7% |
| Q2 2026 | $31.6B | +19% |
| Q1 2026 | $30.3B | +11% |
| Q4 2025 | $31.2B | +23% |
| Q3 2025 | $28.1B | +11% |
| Q2 2025 | $26.5B | +4.3% |
| Q1 2025 | $27.4B | +6% |
| Q4 2024 | $25.3B | +15% |
BAC has the edge over ASRV on sales, with stronger typical year-over-year growth.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 30% | -3.7 points |
| Q2 2026 | 37% | +7.6 points |
| Q1 2026 | 34% | +4.7 points |
| Q4 2025 | 40% | +12 points |
| Q3 2025 | 34% | +4.8 points |
| Q2 2025 | 29% | -0.7 points |
| Q1 2025 | 30% | +1.5 points |
| Q4 2024 | 28% | +14 points |
BAC has the edge over ASRV on profitability, with a higher operating margin.
ASRV Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q2 2026 | -$1.1M | -$1.1M |
| Q1 2026 | $356K | -41% |
| Q3 2025 | $1.4M | +$2.4M |
| Q2 2025 | -$62K | -105% |
| Q1 2025 | $599K | +$3.4M |
| Q4 2024 | $3.6M | +388% |
| Q3 2024 | -$1M | -145% |
| Q2 2024 | $1.2M | +159% |
BAC has the stronger cash trend. Its trailing FCF is up 119% versus its history, compared with ASRV at down 81%.
BAC Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$6.5B | -114% |
| Q2 2026 | $29B | +$38.2B |
| Q1 2026 | $41.8B | +$44B |
| Q4 2025 | -$22.9B | -189% |
| Q3 2025 | $46.9B | +$84.2B |
| Q2 2025 | -$9.1B | -150% |
| Q1 2025 | -$2.2B | +$13.4B |
| Q4 2024 | $25.9B | -21% |
BAC's free cash flow was $41.4B over the past year, down 33% from the year before. Free cash flow isn't a meaningful measure for financial services companies like BAC.
ASRV Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.2% | +37.5K shares |
| 1 year | +2.7% | +447K shares |
| 3 years | -1.1% | -181K shares |
| 5 years | -1% | -165K shares |
| Available history | -2.3% | -394K shares |
ASRV has 17M diluted shares, up 2.7% from a year ago.
| Quarter | Spent |
|---|---|
| Q4 2024 | — |
| Q3 2024 | — |
| Q4 2020 | — |
| Q3 2020 | — |
| Q2 2020 | — |
| Q1 2020 | $151,000 |
| Q4 2019 | $384,000 |
| Q3 2019 | $1M |
BAC Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1% | -72M shares |
| 1 year | -5.3% | -405M shares |
| 3 years | -11% | -854M shares |
| 5 years | -15% | -1.3B shares |
| Available history | -24% | -2.2B shares |
BAC has the edge over ASRV on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $6B |
| Q2 2026 | $6B |
| Q1 2026 | $7.2B |
| Q4 2025 | $6.3B |
| Q3 2025 | $5.3B |
| Q2 2025 | $5.3B |
| Q1 2025 | $4.5B |
| Q4 2024 | $3.5B |
BAC spent $25.6B buying back its own shares over the past year, up 37% from the year before.
ASRV Net Leverage
BAC Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 6.4x | High |
| Q2 2026 | 6.7x | High |
| Q1 2026 | 7.1x | High |
| Q4 2025 | 7.7x | High |
| Q3 2025 | 8.3x | High |
| Q2 2025 | 8.8x | High |
| Q1 2025 | 8.6x | High |
| Q4 2024 | 9.0x | High |
BAC's net debt is about 6.4 years of its operating earnings (EBITDA), down from 8.3 years a year ago. Net leverage isn't a meaningful measure for financial services companies like BAC.
ASRV Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 57.6 | Neutral |
| Stochastic | 55.0 | Neutral |
ASRV's weekly RSI is 58 (neutral) and its Stochastic is 55 (neutral).
BAC Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 37.1 | Neutral |
| Stochastic | 4.9 | Oversold |
BAC's weekly RSI is 37 (neutral) and its Stochastic is 5 (oversold).
ASRV PE vs Financial Services Sector
| Metric | ASRV | Sector median | Relative |
|---|---|---|---|
| PE | 9.3x | 13x | 29% below |
| PE % | 28 | 63 | 35 pts below |
ASRV has the edge over BAC on valuation relative to its sector.
BAC PE vs Financial Services Sector
| Metric | BAC | Sector median | Relative |
|---|---|---|---|
| PE | 12x | 13x | 7.5% below |
| PE % | 40 | 63 | 23 pts below |
BAC is trading at 12x earnings, in line with the Financial Services sector's median of 13x.
ASRV Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $4.68 | 1.1% above |
| 20 week MA | $4.62 | 2.4% above |
| 50 week MA | $4.02 | 18% above |
| 100 week MA | $3.40 | 39% above |
| 200 week MA | $3.14 | 51% above |
ASRV has the edge over BAC on trend strength, trading above more of its moving averages.
BAC Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $52.1 | 3% below |
| 20 week MA | $57.8 | 13% below |
| 50 week MA | $54.7 | 7.7% below |
| 100 week MA | $50.5 | 0% below |
| 200 week MA | $42.5 | 19% above |
BAC has fallen below most of its moving averages, though it's still 19% above its 200-week average.
ASRV Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $4.24 | $3.30 | -22% |
| 2021 | $3.30 | $3.85 | +17% |
| 2022 | $3.85 | $3.99 | +3.6% |
| 2023 | $3.99 | $3.24 | -19% |
| 2024 | $3.24 | $2.58 | -20% |
| 2025 | $2.58 | $3.17 | +23% |
| 2026 YTD | $3.17 | $4.73 | +49% |
ASRV has the edge over BAC on returns for 2026, with the stronger performance.
BAC Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $35.4 | $30.0 | -15% |
| 2021 | $30.0 | $44.4 | +48% |
| 2022 | $44.4 | $32.5 | -27% |
| 2023 | $32.5 | $33.7 | +3.7% |
| 2024 | $33.7 | $44.3 | +32% |
| 2025 | $44.3 | $56.2 | +27% |
| 2026 YTD | $56.2 | $50.5 | -10% |
BAC has finished higher in four of the last six years. It's down 10% so far in 2026.